If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared an insured total loss, most standard auto policies only cover the actual cash value of your vehicle, less your deductible. Unfortunately, you remain financially liable for any shortfall between the net insurance settlement and balance on your loan.
You could owe thousands of dollars on a vehicle that you can no longer drive. GAP releases you from the burden of paying off a loan on a vehicle you no longer have. In addition, it protects your personal credit rating as well as provides peace of mind for very little investment.
Life can be wonderful, but it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could protect your finances.
Life Plus adds protection for financially stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. This protection could cancel your loan balance or loan payments up to the contract maximums. Protect your loan payments today so you can worry about less tomorrow.
It is simple to add Payment Protection. Click here to learn more.
This coverage helps protect your vehicle from everyday road hazards such as tire blowouts, nails, glass, potholes, and debris.
Coverage includes tire and wheel repair or replacement with no deductible, and also covers associated costs such as mounting, balancing, valve stems, labor, and sales tax. It also includes coverage for aftermarket wheels and additional components like tire pressure monitoring sensors (TPMS) and curb damage.
In addition, this protection provides:
- Cosmetic Wheel Coverage to repair scrapes, scratches, and curb damage, with replacement if needed
- Paintless Dent Repair for minor dents and door dings, with no sanding or painting required
- Windshield Repair for chips, cracks, and minor damage using a permanent resin process
- Key Replacement including programming for lost or damaged keys
- 24/7 Emergency Roadside Assistance, including towing, lockout service, and tire assistance
This comprehensive protection also includes coverage for situations often excluded, such as damage from construction zones, metal plates, and other road conditions.
Vehicle Omni+ / Omni Guard Protection provides peace of mind knowing your vehicle is protected from unexpected everyday hazards.
Ready to Protect Your Vehicle?
Complete the form below to have an ECCU Loan Consultant reach out to you!